Use case - Income tax
Switching to the new tax regime - what actually changes for you
The new regime is now the default, but default is not the same as best. Niyam runs both regimes on your real salary structure, shows the difference in rupees, and tells you the exact deduction level at which the old regime would win instead.
Who it is for
- Salaried employees deciding which regime to declare to payroll this year
- Anyone whose 80C, HRA and home-loan mix has changed since last April
- People who picked a regime once and never re-checked it
What Niyam does
Runs both regimes on your numbers
Not a generic calculator. Niyam uses your CTC break-up, HRA and declared investments to compute tax under both regimes, down to the rupee.
Finds your break-even
It calculates the deduction total at which the old regime overtakes the new one, so you know how much you would need to invest to justify switching back.
Turns the verdict into steps
One declaration to file with payroll, plus what to do with the tax-saver investments you were holding only for the deduction.
Sample report
A preview of what you would get
Generated from a sample profile. Your own report runs on your real salary, investments and the latest published rules. The figures below are illustrative.
Personalised report - sample
Assessment year 2026-27
Stay on the new regime. It keeps Rs 31,200 more in your pocket this year.
The old regime only wins if you can claim more than Rs 4,37,500 in deductions. You are at Rs 2,10,000 today.
Profile Product designer - Rs 18,00,000 CTC - Pune - rent Rs 32,000/mo
- Recommended regime
- New
- Annual saving vs old
- Rs 31,200
- Break-even deductions
- Rs 4,37,500
Default for AY 2026-27
About Rs 2,600 a month
You claim Rs 2,10,000 today
Figure
Annual tax - old regime vs new regime
- Old regimeRs 1,79,400
- New regimeRs 1,48,200
Computed on your declared salary and rent. Lower is better.
Recommended actions
- Deadline:Declare the new regime to payroll in the April windowDue 30 Apr 2026Locks Rs 31,200
- Action needed:Redirect the tax-saver SIP you no longer need into a plain index fundRs 1,50,000 freed
- Good to know:Keep employer NPS under 80CCD(2). It still reduces tax under the new regime
The full report downloads as a rich PDF you can keep, revisit and share with an advisor.
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